The VA home loan is one of the most powerful benefits available to U.S. military veterans, active-duty service members, National Guard, Reservists, and eligible surviving spouses. Many who've earned it don't fully understand how to use it. Here's the complete picture.
Key TakeawayVA loans require $0 down payment, charge no private mortgage insurance, and typically offer rates lower than conventional loans. For most veterans, it is the single best mortgage product available — full stop.
Who Qualifies
Active duty with 90+ days of continuous service. Veterans with 90 days wartime or 181 days peacetime service. National Guard/Reserve with 6+ years. Surviving spouses of those who died in service or from a service-connected disability.
| Feature | VA Loan | Conventional | FHA |
|---|---|---|---|
| Down Payment | $0 required | 3–20% | 3.5% |
| PMI/MIP | Never | If <20% down | Always |
| Funding Fee | 1.4–3.6% (waived if disabled) | None | 1.75% upfront |
| Loan Limits | None | $832,750 conforming | $563,500 |
| Assumable | Yes | No | Yes |
Have a question about your specific situation? Call or text (269) 830-0020 directly.
Talk to KeithFrequently Asked Questions
How do I get my VA Certificate of Eligibility?▾
I pull it directly through the VA's automated system — you usually don't have to do anything. If it can't be pulled automatically, I'll walk you through requesting it. It's the first thing we do when you reach out.
Can I use my VA loan benefit more than once?▾
Yes. Your entitlement is restored each time you pay off and close a VA loan. You can even use a VA loan while still having an active one, using what's called ‘bonus entitlement’ — which is more common than most veterans realize. I review your entitlement situation on every VA application.
Is the VA funding fee waived for disabled veterans?▾
Yes. Veterans with a service-connected disability rating of 10% or higher are completely exempt from the VA funding fee — saving $2,800–$10,000+ depending on loan size. I verify your exemption status before closing so you never pay a fee you don't owe.